Payout methods
The 22 payout methods you can be paid through
A rail is the technical path money takes to reach your account. Its nature explains its delay: an instant transfer answers in seconds because the receiving bank is required to answer; a batch clearing waits for its next batch, whatever happens.
- 22 bookable rails
- 15 settlement currencies
- 51 countries covered
- 15 rails under 5 minutes
- 11 rails with no fee
Every bookable rail
Grouped by technical nature, because that is what determines the delay. The p50 and p95 columns give the common case and the slow one.
Instant bank transfer
Settlement in individual messages, with the receiving institution required to answer quickly. No clearing window, therefore no cut-off.
| Payout method | Currency | Coverage | p50 / p95 | Min – max | Rail fee | Status |
|---|---|---|---|---|---|---|
| Virement SEPA Instantane | EUR | 20 countries | 1 min / 12 min | €20.00 – €100,000 | No rail fee | Open |
| Faster Payments | GBP | 1 country | 2 min / 30 min | £20.00 – £1,000,000 | No rail fee | Open |
| Interac e-Transfer | CAD | 1 country | 5 min / 1 h | CA$20.00 – CA$10,000.00 | No rail fee | Open |
| Revolut | EUR | 12 countries | 2 min / 20 min | €20.00 – €100,000 | No rail fee | Open |
| PIX | BRL | 1 country | 1 min / 10 min | R$10.00 – R$50,000.00 | No rail fee | Open |
| SPEI | MXN | 1 country | 3 min / 45 min | MX$50.00 – MX$100,000 | No rail fee | Open |
| Transferencia CBU / CVU | ARS | 1 country | 5 min / 3 h | ARS 5,000.00 – ARS 5,000,000 | No rail fee | Beta |
| Virement bancaire NIP | NGN | 1 country | 3 min / 1 h | NGN 5,000.00 – NGN 5,000,000 | 0.50% | Open |
| Virement FAST | TRY | 1 country | 5 min / 2 h | TRY 200.00 – TRY 1,000,000 | 0.60% | Beta |
Bank transfer
Settlement in batches cleared at fixed times on business days. Clearing, not us, imposes the delay and the cut-off.
| Payout method | Currency | Coverage | p50 / p95 | Min – max | Rail fee | Status |
|---|---|---|---|---|---|---|
| Virement SEPA | EUR | 31 countries | 4 h / 1 day | €20.00 – €500,000 | No rail fee | Open |
| ACH | USD | 1 country | 1 day / 3 days | $25.00 – $25,000.00 | No rail fee | Open |
| Domestic Wire | USD | 1 country | 3 h / 1 day | $1,000.00 – $1,000,000 | $15.00 | Open |
| Virement bancaire AED | AED | 1 country | 4 h / 1 day | AED 100.00 – AED 1,000,000 | 0.40% | Beta |
| Virement international SWIFT | USD | Worldwide | 2 days / 5 days | $500.00 – $1,000,000 | $25.00 | Open |
E-wallet
The payout credits a wallet balance, not a bank account. Moving that balance to your bank is a later step, outside our scope.
| Payout method | Currency | Coverage | p50 / p95 | Min – max | Rail fee | Status |
|---|---|---|---|---|---|---|
| PayPal | EUR | 18 countries | 10 min / 3 h | €20.00 – €5,000.00 | €0.35 + 2.00% | Open |
| Wise | EUR | 18 countries | 30 min / 12 h | €20.00 – €100,000 | No rail fee | Beta |
| Nequi | COP | 1 country | 5 min / 2 h | COP 20,000.00 – COP 20,000,000 | No rail fee | Open |
| GCash | PHP | 1 country | 3 min / 1 h | ₱100.00 – ₱50,000.00 | 0.75% | Beta |
Mobile money
The payout credits a mobile account through the operator, with an SMS notification and cash withdrawal at an agent. Operator caps add to ours.
| Payout method | Currency | Coverage | p50 / p95 | Min – max | Rail fee | Status |
|---|---|---|---|---|---|---|
| M-Pesa | KES | 1 country | 2 min / 45 min | KES 100.00 – KES 150,000 | 0.50% | Open |
| MTN Mobile Money | GHS | 1 country | 3 min / 1 h | GHS 10.00 – GHS 50,000.00 | 0.75% | Open |
| Wave | XOF | 4 countries | 3 min / 1 h | F CFA 100,000 – F CFA 200,000,000 | 0.75% | Beta |
| Orange Money | XOF | 5 countries | 5 min / 2 h | F CFA 100,000 – F CFA 100,000,000 | 0.90% | Beta |
The p50 and p95 values are market orders of magnitude, republished as soon as our own measurements contradict them. They are not a contractual commitment, and no page on this site presents them as one.
How to choose, concretely
Three criteria, in this order. Only the third is about price.
First criterion: does the rail reach your account. A domestic rail is useless if your bank is elsewhere, and an e-wallet credits a balance, not a bank account — which adds a step you have to take yourself.
Second criterion: the delay, and above all its shape. An instant rail has a median and a p95 close together: it is predictable. A batch rail has a low median but a very high p95, because an order past the cut-off waits for the next business day, and a Friday evening waits for Monday. Look at the p95, not the median, if predictability matters to you.
Third criterion: cost. Most rails in this catalogue charge nothing. The exceptions are the international wire, whose fixed fee pays for worldwide reach, the US domestic wire, and the e-wallet, which charges both a fixed part and a percentage. On a small amount that fixed part changes everything; on a large one it becomes negligible.
A fourth, less visible criterion: settlement currency. Receiving in a currency that is not your account’s triggers a conversion by your bank, at a rate you do not see and we cannot show. A local rail in local currency avoids that invisible cost entirely.
7 rails built but closed
The technical integration exists. What is missing is regulatory: a local entity, a licence, or a licensed partner. The exact reason is stated for each.
- Yape
- Integration in progress with our regional provider. No launch date is announced until end-to-end tests pass.Settles in Peruvian Sol · PeruSee the Yape page
- EFT bancaire
- South African exchange control requires SARB reporting on cross-border flows. We will only open this rail with a licensed local partner.Settles in South African Rand · South AfricaSee the EFT bancaire page
- UPI
- The 1% TDS withholding and FIU-IND registration require a local entity. The rail is built but stays closed until that framework is in place.Settles in Indian Rupee · IndiaSee the UPI page
- PromptPay
- Opening depends on a partnership with a payment institution licensed by the Bank of Thailand.Settles in Thai Baht · ThailandSee the PromptPay page
- Virement bancaire (VietQR)
- Vietnam’s digital asset framework is being rewritten. Rail built, opening on hold.Settles in Vietnamese Dong · VietnamSee the Virement bancaire (VietQR) page
- PayNow
- Requires an MAS licence or a partnership with a licence holder. Not open.Settles in Singapore Dollar · SingaporeSee the PayNow page
- PayID / Osko
- AUSTRAC registration in progress. Rail built, opening not announced.Settles in Australian Dollar · AustraliaSee the PayID / Osko page
The 7 collection rails, and why nobody can pay you through them
These are the most used payment methods in their countries, and yet no provider can disburse funds into them on your behalf.
A collection rail is designed one way only: it authorises a debit from your account toward a merchant. The reverse does not exist in the protocol. A service offering “a Bizum withdrawal” or “an iDEAL payout” is really using an intermediary that pays you some other way, or going around the network rules. We take the direct path: we credit the bank account behind it, instantly where possible.
- iDEALNetherlands
- iDEAL is a collection rail: it lets you pay a merchant, not receive funds. Your iDEAL account sits on a Dutch IBAN that we credit via SEPA Instant, usually in under 10 seconds.What we do instead: Virement SEPA Instantane (under 5 minutes)
- BizumSpain
- Bizum works between Spanish individuals and does not accept disbursement from a foreign company. We credit the IBAN behind your Bizum via SEPA Instant instead.What we do instead: Virement SEPA Instantane (under 5 minutes)
- BLIKPoland
- BLIK generates one-time codes for paying. To receive, your Polish bank uses an IBAN that we credit via SEPA, or Express Elixir through our partner.What we do instead: Virement SEPA Instantane (under 5 minutes)
- TWINTSwitzerland
- TWINT sits on your Swiss bank account. We credit the matching IBAN by SEPA transfer in CHF or EUR.What we do instead: Virement SEPA (about 4 hours)
- SatispayItaly
- Satispay debits your Italian IBAN. That IBAN is what we credit, via SEPA Instant.What we do instead: Virement SEPA Instantane (under 5 minutes)
- MB WAYPortugal
- MB WAY is a layer on top of your Portuguese account. We credit the underlying IBAN via SEPA Instant.What we do instead: Virement SEPA Instantane (under 5 minutes)
- QRISID
- QRIS is for paying a merchant by QR code. Disbursement to an Indonesian wallet requires a local partner, not open today.What we do instead: Virement international SWIFT (2 business day(s))
- ZelleUS
- Zelle is limited to person-to-person transfers between US bank account holders and contractually forbids third-party commercial disbursement. No provider can push funds through it compliantly. Use ACH or a wire instead.The detail on Zelle
The fastest rails
Ranked on median settlement. None of these rails needs a business day.
- Virement SEPA Instantaneunder 5 minutesSEPA Instant moves euros from one account to another in seconds, with no business days and no cut-off
- PIXunder 5 minutesPIX is the Brazilian instant payment rail, available at all times, nights and holidays included
- Faster Paymentsunder 5 minutesFaster Payments settles in pounds to UK accounts, around the clock, weekends included
- Revolutunder 5 minutesRevolut receives euros on a personal IBAN, credited almost immediately when the transfer goes out as instant
- M-Pesaunder 5 minutesM-Pesa credits a Kenyan mobile wallet from a phone number
- SPEIunder 5 minutesSPEI is the Mexican interbank transfer system
- Virement bancaire NIPunder 5 minutesThe Nigerian instant transfer reaches any ten-digit NUBAN account, at a traditional bank as at a digital one
- MTN Mobile Moneyunder 5 minutesMTN Mobile Money credits a Ghanaian mobile wallet from the phone number
- Waveunder 5 minutesWave covers several UEMOA countries with a mobile wallet in CFA francs
Why we also show the p95
A median alone is a misleading promise: it describes the case where everything goes well, which is exactly the one you are not worried about. The p95 describes the slow case — a slow receiving bank, a saturated operator platform, an order placed just after the cut-off. That is the one to look at when deciding whether a rail suits you.
Countries covered by at least one bookable rail
Each country page ranks the rails available there by delay, and adds the local reporting framework and the detail format.
- United Arab EmiratesAED
- ArgentinaARS
- AustriaEUR
- AustraliaAUD
- BelgiumEUR
- BrazilBRL
- CanadaCAD
- SwitzerlandCHF
- Ivory CoastXOF
- ColombiaCOP
- GermanyEUR
- SpainEUR
- FinlandEUR
- FranceEUR
- United KingdomGBP
- GhanaGHS
- GreeceEUR
- IrelandEUR
- IndiaINR
- ItalyEUR
- KenyaKES
- MexicoMXN
- NigeriaNGN
- NetherlandsEUR
- PhilippinesPHP
- PolandPLN
- PortugalEUR
- SenegalXOF
- TurkeyTRY
- United StatesUSD
Frequently asked questions about payout methods
What exactly is a payment rail?
It is the technical path money takes to reach your account. A SEPA Instant transfer, a PIX, an M-Pesa payout are three different rails: they share neither delay, nor limits, nor the details you must provide. The rail is this site’s unit of sale: we do not sell “an exchange”, we sell a corridor between an asset and a rail.
Why are some very popular payment methods missing?
Because they are designed for paying, not receiving. 7 collection rails are in that case: iDEAL, Bizum, BLIK, TWINT, Satispay, MB WAY, QRIS. No provider can push funds into them on your behalf, whatever its licence. We credit the bank account behind them, which gives exactly the same result.
What does “built but closed” mean?
7 rails are technically integrated — the code exists, formats are validated, tests pass — but are not open, for lack of a local entity, a licence or a licensed partner. We show them with their exact reason rather than implying an undated imminent availability.
Are the displayed delays guaranteed?
No, and nobody can honestly guarantee them: they depend on the receiving bank, the mobile operator or the clearing window, not on us. We show a median and a p95 so you see both the common case and the slow one. What we do guarantee is triggering the payout the moment the confirmation threshold is reached, with no internal queue.
Why do a free rail and a paid rail coexist in the same country?
Because they do different things. A domestic instant rail settles in seconds and costs nothing; an international wire reaches a bank the domestic rail does not cover, at the price of a fixed fee and several days. Across 22 bookable rails, most charge nothing: the fee is the exception, and it always pays for a capability the others lack.
Can I get paid into someone else’s account?
No. The beneficiary name must match the identity verified on your account. This is not an internal rule: the rails themselves reconcile the holder name, and a mismatch gets the payout rejected. It is also an anti-money-laundering requirement on third-party payments.